It's very important to have the comfort of the regulator in every geography where you operate.

I think we have to pick up some sectors where we can make India the global hub in the entire value chain, and the most important sector to pick up should be electronics.

Aim for the sky, but move slowly, enjoying every step along the way. It is all those little steps that make the journey complete.

I always believe that, as you start out, while you should have a big dream - a big goal - but it's also important to move step by step. So, you know, frankly, if you ask me, when I started as a management trainee in 1984, I don't know that I really thought that I would become the CEO.

It is important always to make full use of opportunities that come your way, and at the same time, it is important to not just cope with the challenges but try and convert each challenge into an opportunity.

Resolution can be in any form - S4A, SDR or restructuring - but we need an enabling environment where bankers feel comfortable to take decisions and where they also feel obliged to implement decisions in a timely manner.